Is it worth buying a fixed fund product?

Nowadays, the ** market is not satisfactory, and many people may understand that whether it is ** or **, in fact, there will be opportunities for profit if you hold it for a long time. **The chance of operating a handful and leaving is getting smaller and smaller. Therefore, the fixed opening type has received a lot of attention and investment from the people, one is because some fluctuations brought by the **** can be avoided during the closure period.

For example, take the China Universal Research Excellence Election I just bought, as a three-year fixed opening**, it can well curb the behavior of domestic investors "chasing high and killing down" during the closed period, and the conversion to open after the third period does not affect any liquidity, and as an experienced investor, all assets will not be invested in long-term closed financial products. Second, the main investors of the company are listed companies with potential or excellent quality, and those who choose to buy such products can enjoy the compound interest brought by the company during the closed period. If you personally think that the risk of equity-biased fixed opening products is relatively high, it is also a good choice to consider fixed opening bonds.

The term open-ended bond base has a unique advantage in the ** market. The most obvious benefit is the high leverage ratio of the fixed-term open-ended bond base, according to the relevant regulations, the leverage ratio of ordinary bond** shall not exceed 140%, while the closed-end operation mode of the fixed-term open-ended bond base has 200% operational leverage space.

Secondly, due to the characteristics of regular subscription and redemption, during the closed operation period, it can effectively reduce the liquidity impact caused by frequent subscription and redemption, ensure the relative stability of the scale, and also help improve the stability of the duration of the portfolio and increase the income. Finally, the advantage of regular open-ended bonds is also reflected in the fact that most of them are pure bonds, and the proportion of investment in the bond market is not less than 80% of assets, which means that they are far away from the secondary market, and effectively prevent risks to a certain extent.

Because of the advantages of asking professionals to take care of and enjoy the benefits, it is loved by more and more investors, but many new investors often face a problem after choosing the right one, **type** is a one-time buy or a fixed investment, a dilemma, which one is more suitable for themselves, no way to start, compared with a one-time **, what are the advantages and disadvantages of regular investment?

**type**disposable**, relatively simple.

1. The advantage is fast and efficient, and there is no need to manage after the first, if you buy in the position, the expected income is relatively high.

2. The disadvantage is that if you buy at a relatively high level, you will not be able to untie it for a long time after being imprisoned, which will cause a large loss of principal.

**Compared with one-time investment**, regular investment is a more advanced investment method.

Advantages:1. Divide the cost in batches

Compared with a one-time investment, regular investment is a regular purchase of the same, which can effectively amortize the purchase cost through time, so that at a relatively low level, as long as the net value of the investment is in, it can obtain a premium expected return.

2. Low investment

Because it is invested in batches, the fixed investment can effectively play the effect of accumulating small money and turning it into a big money, and after a period of time, there will be a lot of savings unconsciously.

3. Low risk

Because it is a long-term and small quantity purchase, in addition, sell at the time of ****, increase the position at the time of **, the cost is relatively low, and the risk of holding is low.

4. Compound interest value

**In the investment process, regular investment often spans an economic cycle and can enjoy the value of compound interest.

Disadvantages: **The disadvantages of regular investment are mainly that the investment time is relatively long, the short-term effect is slow, and it requires patience and long-term persistence.

To sum up, **type**one-time** and regular investment** have their own shortcomings, if you see ** more accurately, one-time** expected return is high, if you pursue stability, regular investment has advantages. Tips: There are risks in financial management, and investment needs to be cautious.

If the investor has a certain level of investment, then you can be a one-time **, if the investor's investment level is average, or a novice investor, then you can make a regular investment, the regular investment does not have high requirements for the investor's investment level, and you can set up a regular investment after you choose.

Advantages of regular investment:

1. Regular quota and batch** can reduce costs.

Second, there is no need to keep an eye on the plate, saving time and worry.

3. Take the average profit, no need to stop loss.

Fourth, there is no need to choose the time.

5. Compound interest investment.

Extended information]**Regular investment should choose high-quality targets, and the selection of high-quality ** can be based on the following three aspects:

1.Manager, manager is the most important factor in returns, and the manager has a good investment level, the higher the expected return.

2.The maximum drawdown indicator, the drawdown refers to the range of equity from the highest to the lowest in a period of time, and the lower the maximum drawdown, the better.

3.Historical performance, the higher the historical performance, the higher the return on investment.

According to different criteria, **investment** can be divided into different categories:

1) According to whether the unit can be increased or redeemed, it can be divided into open-ended and closed-ended. Open-ended non-listed trading (it depends on the situation), through banks, brokers, and companies to subscribe and redeem, the scale is not fixed; Closed-end has a fixed duration and is generally listed and traded on the trading venue, and investors buy and sell units through the secondary market.

2) According to the different organizational forms, it can be divided into company type ** and contract type **. **Established by issuing **shares** to establish an investment company**, usually referred to as a corporate **; It is established by the manager, the custodian and the investor through a contract, which is usually called a contractual type. China's **investment** are all contractual**.

3) According to the different investment risks and returns, it can be divided into growth, income and balance**.

4) According to the different investment objects, it can be divided into four categories: bonds, currencies and hybrids.

First, the definition of fixed increase ** and fixed opening ** is different:

Fixed Increment**:

1. Private placement investment** (hereinafter referred to as private placement**) refers to the investment that mainly participates in the private placement of listed companies, that is, the investment that mainly invests in the non-public offering of listed companies.

2. Private placement refers to the non-public issuance of shares by listed companies to a small number of qualified specific investors, which requires that the issuance object shall not exceed 10 people, and the issue price shall not be less than 90% of the market price of the 20 transactions before the announcement, and the issuance of shares shall not be transferred within 12 months (within 36 months after subscription becomes a controlling shareholder or has actual control).

Fixed open type**:

1. The regular opening of the redemption time can be understood as a new type of closed type. The advantage of this type of base is that the manager can concentrate on the implementation of the operation strategy during the closed period, which avoids the impact of daily subscription and redemption on the first share, and is more conducive to the manager's asset allocation and position management.

2. The opening time of the fixed opening type base is different according to the provisions of each **, generally 1 quarter, 1 year, 1 three years, in general, the longer the closed time, the better its performance, which is equivalent to the manager to help the people to make medium and long-term investment, and put an end to short-term speculation in disguise.

Second, the risk of fixed increase type and fixed opening type is different:

Fixed Increment**:

1. Private placement is a non-public issuance to specific investors, and listed companies often raise funds through private placement for asset mergers and acquisitions or to increase liquidity.

2. Private placement is often lower than the market, and the equity lock-up period is about one year, which can then be circulated, which can enable investment institutions to participate in high-growth companies or industries in a concise and low-cost way, and easily obtain the profits brought by the rapid development of the company or industry.

3. Private placement is very attractive to investors with large capital scale, but the one-year lock-up period will still bring systemic risk to investors, and once the market turns around, the risk of investors participating in private placement will increase.

Fixed opening**: 1, the opening time of the fixed opening type of the base is different according to the provisions of each **, generally 1 quarter, 1 year, 1 three years, in general, the longer the closure of its performance, the better its performance, which is equivalent to the manager to help the people to do long-term investment, disguised to put an end to short-term speculation, low risk appetite.

**It can be divided into two types: open and closed, and the fixed opening type is between the two, although there is a closed period, but it will be open for redemption on a regular basis, so the fixed opening type can be understood as a special closed type**. So what are the advantages and disadvantages of the fixed opening**?

First, the advantages of fixed opening

1. It is conducive to medium and long-term investment

The redemption of open ** is often more flexible, and you can apply for selling on the next trading day after **** confirmation.

Although there is also an open period, it is more often in a closed period. There are many types of closure periods, among which 3 months, 6 months, 12 months, 18 months, 2 years or 3 years are more common.

It is not allowed to subscribe or redeem ** shares during the closed period, and it will enter a new round of closed period again after the end of the open period, so it is more conducive to investors to make medium and long-term investments.

2. Stabilize the scale

The low frequency of investor subscriptions and redemptions means that the size will remain relatively stable, and managers will be protected from short-term liquidity fluctuations.

3. Avoid chasing up and down

**Different**, in the investment strategy, it is taboo to trade frequently, chase the rise and kill the fall, because buying high and selling low will artificially increase the investment cost including transaction fees, thereby reducing the investment profit.

Second, the disadvantages of fixed opening

The main disadvantage of the fixed opening** is the poor liquidity, especially the fixed opening with a long closed period**, if the money is urgently needed in the middle, investors cannot redeem it in time.

The fixed-opening type brings investors long-term expected returns, which is more suitable for investors who pursue stable expected returns and use long-term idle funds to invest.

In the public market, we often find that some of the names have the word "fixed opening", this kind of ** indicates the regular open type**, we often say that there is an impossible triangle in investment, that is, it is impossible to meet high liquidity, high yield and low risk at the same time in the investment, so the fixed opening type of ** sacrifices part of the liquidity, is it a representative work of low risk and high return varieties? What are the characteristics of the fixed opening**?

The fixed opening combines the characteristics of closed and open, and adopts the operation mode of closed operation and open operation, and the subscription and redemption cannot be carried out during the closed period, and can only be operated during the fixed open period. If you miss this open period, you can only wait for the next open period.

There are two kinds of fixed opening**, one is the non-listed trading type of fixed opening**, and the other is the listed trading type of fixed opening**, the former is completely illiquid during the closed period, and the latter can be traded on the floor if it is listed on the exchange. However, on-site transactions must first be transferred to the market, and generally need to go to the business department of ** company to handle it on site.

What are the advantages of setting up a slow opening** to break up the group?

For us investors, the most significant effect is to help us control our hands and limit frequent trading. In the current situation, it is very important to avoid chasing up and down. Investing is all about seeing more and moving less.

Another advantage of fixed opening is that it is conducive to the long-term investment strategy of the manager and the improvement of the rate of return.

Because during the closed period, the subscription and redemption are not allowed, the share will be very stable, and it will be very convenient for the manager to implement the investment strategy, without the impact of the change of the share on the investment strategy.

It should be noted that the fixed opening ** needs to sacrifice a certain amount of liquidity, if you want to invest in the fixed opening**, you must do a good job of capital planning in advance.

Suitable. 1.His ups and downs are relatively large, and he is more suitable for regular investment.

2.In this way, you can buy at different points to reduce risks and increase returns.

Suitable for regular investment, regular investment is mainly for amortizing costs, any ** is suitable for regular investment, regular investment is a strategy, equivalent to the first position, but regular investment can not be completely mechanical fixed investment, to consider many factors, first of all, valuation, low valuation to start regular investment will be easy to make money, followed by the determination of high-quality assets, whether to intervene in the more you fall more and more buy, are anti-human operations, need professional knowledge and courage.

**type** is very suitable for regular investment, because **volatility** is difficult to control, through regular investment, you can reduce costs, stabilize emotions, and expect returns.

**type** regular investment is suitable for long-term ** regular investment, medium and short term is not suitable for **type** regular investment, it is difficult to see the income in the short term, **bull market, you can appropriately reduce the amount of regular investment, **bear market appropriately increase the amount of regular investment.